| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST DEDHAM, MA 02026 | TUFT INSURANCE COMPANY | $26K | $23K | $48K | 1.73% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH STREET DAYTONA BEACH FLORIDA, FL 32114 | TUFT INSURANCE COMPANY | $13K | — | $13K | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INSURANCE SERVICES | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | — | $3K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST DEDHAM, MA 02026 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $2K | $80 | $2K | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 7.32% |
| COLGATE BENEFITS INC3 | 43 MAGILL DR GRAFTON, MA 01519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 5.24% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 4.52% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $328 | $2K | 2.17% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 37 DARTMOUTH LN EAST LONGMEADOW, MA 01028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $145 | $2K | 1.95% |
| CARLEIGH GORDON3 | 135 SKUNK HILL RD EXETER, RI 02822 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $302 | $2K | 1.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2 | $1K | 1.48% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTON, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | — | $223 | 0.26% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 E MAIN ST STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $10 | $157 | 0.18% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.12% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.12% |
| COAKLEY CONSULTING INC3 | PO BOX 1562 CHARLESTOWN, RI 02813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $12 | $73 | 0.09% |
| FLEURY ENTERPRISES INC | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.08% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DR DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| KATHERINE E GREENE3 | 153 WELLINGTON AVE CRANSTON, RI 02910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| ROBERT D STEBBINS3 | 25 STANDISH AVE SCITUATE, MA 02066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $469 | $4K | 10.35% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN INS SERVICES INC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA | P.O. BOX 745949 ATLANTA, GA 303745949 | EYE MED | $771 | — | $771 | 5.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | EYE MED | $324 | — | $324 | 2.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $196 | $91 | $287 | 4.35% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROKER & BROWN INS SERVICES INC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $134 | — | $134 | 2.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFT INSURANCE COMPANY | 355 | $2.8M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 350 | $169K |
| Vision | EYE MED | 184 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $34K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 153 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.